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It's not going to be covered in the SPD. "I'm sorry that this didn't happen as quickly as you would have liked but many companies have a policy that they will only send checks to the employer, probably so they don't have to deal with returned checks, etc. It's not a bank account and there are many rules and administrative procedures associated with retirement plans that often cause delays, but it is all perfectly legit. If you don't like that answer, well, you can hire a lawyer but you will only waste your money."

Three whole weeks?!? Good grief. She is a former participant. What Bird said.

Isn't one possible solution is to come up with some documentation that says the check paid on the 30th of every month is for services rendered from the prior months 19th to current months 18th? So the deposit is now on the 20th and he is paid on the 30th for a months services ending on the 18th Everyone agrees that can be done as far as I can tell. Although it seem easier to just cut the check and make the deposit on the 30th.

Mike, just because everyone is in their own group, it doesn't mean they aren't also using allocation requirements for the PS contribution. K2retire is just saying that the OP might not have gotten the PS because he wasn't employed at year end and that might be a plan design, not an employer decision.